PennyMac Financial Services, Inc. (PFSI) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	2.9B	4.4B	2.8B	2.0B	2.3B
Cost of Revenue	1.1B	1.8B	1.5B	1.2B	1.0B
Gross Profit	1.9B	2.6B	1.4B	847.5M	1.3B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	722.9M	343.1M	257.0M	238.1M	338.2M
General & Admin Expense	656.9M	296.9M	235.1M	220.5M	291.4M
Selling & Marketing Expense	66.0M	46.1M	22.0M	17.6M	46.8M
Other Expenses	678.8M	1.7B	709.7M	255.3M	280.1M
Total Operating Expenses	1.4B	2.1B	966.8M	493.4M	618.3M
Cost and Expenses	2.5B	3.9B	2.4B	1.7B	1.6B
Operating Income (EBIT)	452.2M	551.4M	402.6M	354.0M	688.7M
Non-Operating
Interest Income	420.0M	—	—	—	—
Interest Expense	—	—	—	—	—
Net Interest Income	(44.0M)	—	—	—	—
Other Non-Op Income/Expense	(230.0M)	—	(1.6M)	(170.4M)	(23.4M)
Non-Operating Income (excl Interest)	(210.0M)	—	—	—	—
EBT (Pre-Tax Income)	222.2M	551.4M	401.0M	183.6M	665.2M
Income Tax Expense	60.2M	50.3M	89.6M	39.0M	189.7M
Bottom Line
Net Income	162.0M	501.1M	311.4M	144.7M	475.5M
Earnings from Cont. Ops	162.0M	501.1M	311.4M	144.7M	475.5M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	162.0M	501.1M	311.4M	144.7M	475.5M
Per Share
Basic EPS	$3.10	$9.69	$6.11	$2.89	$8.96
Diluted EPS	$3.02	$9.30	$5.84	$2.74	$8.50
Revenue Per Share	$56.15	$85.45	$55.82	$40.80	$43.75
Shares
Basic Shares Outstanding	52.0M	51.7M	51.0M	50.0M	53.1M
Diluted Shares Outstanding	53.1M	53.9M	53.4M	52.7M	56.0M
Profitability Metrics
EBITDA	698.8M	620.8M	472.3M	424.1M	738.9M
D&A	36.6M	69.4M	69.7M	70.0M	50.2M
EBIT	433.2M	551.4M	402.6M	354.0M	688.7M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Oct 1, 2026